I got to "enter your name" and leaked out of the funnel. I'm willing to give up my zip code to find out how you compare to my current provider. Give me some good rates to entice me out of the rest of my data.
That's pretty harsh. If misinterpreting a comment on a forum is reason to dismiss a whole team then I don't think any of us would be qualified for anything.
Not this time- just a good ol' case of launch frenzy. Saw the comment, just this part "I got to "enter your name" and leaked out of the funnel" and jumped to conclusions :).
They could've stated that they want to see the offers without providing a lot of information off hand.
You might want to consider displaying similar quotes for the area and filter them based on age group and income.
I don't know if there is a regulation requiring you to take the name before displaying a quote or not since different countries can have a different legal statue for a quote.
@gilsadis, in response to your request for information above:
As others related, this isn't a bug report. This is about the design of your conversion funnel and the appropriateness of what levels of information I will consent to offering while your site is attempting to build a relationship with me.
When you don't know me, you can have my zip code. Show me some awesome rates based on my zip code, and maybe then I'll give you my name or email address. I don't want to leave mouse droppings of personal information all over the internet unless I am intent on engaging with your company. Got it?
And here's the truth. I am in the process of examining and amending my insurance coverage because we are deleting a car. So you lost a qualified hot lead. So hand that data to your hippo.
- If it's so secret, why is it not called "password"? Why is it printed on your id card for anyone to see? Why do many organizations require it?
- If it's used in so many places, how is it expected to prove anything about your identity? It's identification (i.e. which row in the government's citizens database), not authentication.
Every employer wants my SSN. Every time I interact with the government, they want my SSN. It's in way too many places to be secret (like a PIN is), and besides, the government never told me it's secret. The government's info page about it and Wikipedia don't say anything about not giving it to anyone who asks for it.
Risk models will depend heavily on your specific address, especially in NYC where two properties on the same block might have vastly different risk profiles. Your name is likely used for credit score (effectively conscientiousness score) which is also a huge correlate of risk.
In theory, this is indeed true. However I went through the funnel twice. I googled "The worst neighborhood in new york", went to google maps and picked a random address from this neighborhood. Got the exact same price as another "good" neighborhood in new york.
It's possible the quote is not the actual price - for home insurance, at least, you typically pay the quote & you're covered until they can do an in-person inspection & give a "real" price. You can then either pay / get back the difference, or cancel with a refund for the remainder of the term.
I will answer you as nobody else will. Hacker News users are interested in this idea, but don't want to divulge their actual address to get a "price quote". Ideally, they'd like to give their zip code and get a round-about dollar figure they can use to compare to their current pricing.
Fair enough. The reason we ask for your name first is because we want to create a more personal chat experience. We believe that buying insurance should not only be instant but also delightful.
The comment above yours clearly states HN users don't want to divulge exact address. In fact, they specified their ideal (zip code->quote) but you start justifying why you ask for name when nobody pointed as that being the issue.
To be fair, every other major renters insurance company requires a lot of personal information up-front before giving you a quote. I don't see why this should be different.
Do you use name and address solely to be delightful or do you use it in other ways, like to order insurance score, clue or prefill any other 3rd party data for additional segmentation?
If it's simply checking one credit agency, you could let the user enter in a credit score from whatever credit agency you use to get a quote, but let the quote be contingent on their credit score exactly matching that.
"The reason we ask for your name first is because we want to create a more personal chat experience."
When I'm doing a research online before buying something, I really don't want "personal chat experience" with every dozen of companies which website I check. If I would -- add a phone number, Skype etc. in your contacts and I will call myself. Companies, that do not provide clear pricing, usually don't even make to my primary comparison table.